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All Journal eScience Humanity Journal Journal of Artificial Intelligence and Digital Business
Putri, Walla Astianty
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Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Social Sciences

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The Impact of Financial Technology Small and Medium Enterprises : A Comparative Analysis Putri, Walla Astianty; Jamalus, Jamalus; Rianto, Joko
eScience Humanity Journal Vol 4 No 2 (2024): eScience Humanity Journal Volume 4 Number 2 May 2024
Publisher : Asosiasi Ide Bahasa Kepri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37296/esci.v4i2.174

Abstract

The rapid evolution of Financial Technology (FinTech) has significantly reshaped the landscape of Small and Medium Enterprises (SMEs). This comparative study examines the impact of FinTech adoption on the growth, operational efficiency, and financial performance of SMEs across different sectors. By analyzing data from various industries, the study highlights the key areas where FinTech has accelerated business processes, enhanced financial inclusion, and increased access to funding. The research further explores challenges faced by SMEs in integrating FinTech solutions, including regulatory hurdles and technological readiness. The findings provide insights into the comparative advantages FinTech brings to SMEs in developed versus developing economies, suggesting policy recommendations to foster FinTech adoption and support SME growth. The results underscore the critical role of FinTech in transforming SMEs into more agile and competitive market players in the global economy.
Integrating Strategic Management and Accounting Practices: A Pathway to Organizational Agility Putri, Walla Astianty; Novitri, Bella Suci
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 1 (2025): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i1.418

Abstract

In an era of rapid and dynamic business change, the need for organizational agility has become increasingly important. This research aims to analyze how integration between strategic management and accounting practices can form an effective path to improving organizational agility. Using a qualitative approach through case studies on several organizations in the industrial and service sectors, this study found that aligning strategic objectives with an adaptive accounting information system is able to accelerate decision-making, improve response to market changes, and strengthen internal innovation. Integrative practices such as strategy-based budgeting, Balanced Scorecard-based performance measurement, and value-based management accounting have been proven to play an important role in supporting organizational flexibility and adaptability. The results of this study provide theoretical contributions in the development of management and accounting integration models as well as practical recommendations for organizations that want to improve their competitiveness through the strengthening of internal structures and processes in an agile manner.
Integrating Financial Literacy and Business Planning in Higher Education: Evidence from PKM-Based Learning Programs Sentosa, Bambang Mardi; Suherman, Agus; Firdaus, M. Yus; Rianto, Joko; Kurniawan, Andri; Putri, Walla Astianty; Novitri, Bella Suci; Murodi, Ahmad; Muhtadi, TB. Yudi
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2235

Abstract

The integration of financial literacy and business planning skills in higher education is essential to prepare students for the challenges of the modern economic landscape. This study examines the effectiveness of incorporating financial literacy concepts into business planning through the implementation of Programs to the Community (PKM)-based learning. Employing a mixed-methods approach, quantitative data were collected through pre- and post-tests measuring students’ knowledge and skills, while qualitative insights were obtained from focus group discussions and reflective journals. The participants consisted of 20 undergraduate students from various disciplines in Indonesian universities, engaged in PKM projects over one academic semester. Findings indicate a significant improvement in students’ ability to develop comprehensive business plans, manage budgets, and evaluate financial feasibility, with an average knowledge increase of 28% compared to baseline. Qualitative data reveal that PKM-based learning fosters critical thinking, collaboration, and entrepreneurial mindset, while contextualizing theoretical knowledge into practical applications. The study concludes that integrating financial literacy into PKM-oriented business planning courses provides a holistic and experiential learning model, contributing to students’ readiness for professional and entrepreneurial endeavors. These results highlight the potential for scalable implementation of PKM-based curricula in higher education to strengthen economic empowerment and innovation capacity among graduates.
Performance-Based Management in Public Administration: Implications for Economic Growth and Service Delivery Putri, Walla Astianty; Novitri, Bella Suci; Utami, Pri; Muhtadi, TB. Yudi; Rianto, Joko; Ahmad, Ahmad
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2544

Abstract

This study explores the role of performance-based management (PBM) in public administration and its implications for economic growth and service delivery. Performance-based management has emerged as a strategic approach to enhance efficiency, accountability, and transparency in government institutions by linking organizational goals with measurable outcomes. Through a systematic review of relevant literature and comparative case studies from various countries, this research highlights how PBM fosters improved resource allocation, promotes evidence-based policymaking, and strengthens institutional capacity. The findings indicate that PBM contributes to economic growth by ensuring more effective public expenditure management, stimulating investment confidence, and fostering innovation in the public sector. Furthermore, PBM positively impacts service delivery by improving responsiveness, citizen satisfaction, and the quality of public services. However, challenges such as limited institutional readiness, inadequate performance measurement systems, and resistance to cultural change remain significant barriers to its full implementation. This study concludes that integrating PBM into public administration can play a pivotal role in driving sustainable economic development and enhancing governance, provided that robust monitoring mechanisms and capacity-building initiatives are prioritized.
Co-Authors Agus Suherman Ahmad Ahmad ANDRI KURNIAWAN Bambang Mardi Sentosa Firdaus, M. Yus Jamalus, Jamalus Muhtadi, Tb. Yudi Murodi, Ahmad Novitri, Bella Suci Pri Utami Rianto, Joko